被保险人自损骗赔行为的定性问题探讨  

Discussion on the Qualitative Problems of the Behavior of Insured's Fraud through Self-damage

作　　者：杨俊[1] 

机构地区：[1]苏州大学王健法学院,江苏苏州215006

出　　处：《河北科技大学学报（社会科学版）》2017年第2期47-51,82,共6页Journal of Hebei University of Science and Technology:Social Sciences

基　　金：江苏省法学会法学研究青年项目(SFH2016C05)

摘　　要：《刑法》第198条规定了保险诈骗罪的法定行为方式,其中并不包括被保险人自损骗赔的行为。然而此种行为显然符合保险欺诈的特点,在实践中较为多发,实质危害性也较大,亟需从刑法上予以规制。由于受到现有立法规定的制约,被保险人自损骗赔行为始终存在着定性上的困惑。经过分析,此种行为应当被纳入保险诈骗罪的行为方式之一,由此也对刑法在保险诈骗罪行为方式的立法完善方面提出要求。The article 198 th of the Criminal Law stipulates the statutory act of crime of insurance fraud,which does not include the behavior of insured's fraud through self-damage.However,this behavior is clearly in line with the characteristics of insurance fraud.In practice,substantial harm is also greater and it is urgently necessary to regulate from the criminal law.Because of the limitation of the existing legislation,there is always qualitative confusion on the behavior of insured's fraud through self-damage.Based on the analysis,this behavior should be included in one of the insurance fraud behaviors.This paper puts forward the requirement for the legislative perfection of criminal law in the form of insurance fraud.

关 键 词：保险诈骗罪 行为方式 被保险人自损骗赔 立法完善 

分 类 号：D922.284[政治法律—经济法学]